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Banking Topics

Get helpful ideas on where to put your money and how to grow your savings.

budget-basics
Budget Basics: Beat the Budgeting Blues

Budget: It's the word we love to hate. Most of us understand the importance of keeping a budget, but for a variety of reasons still haven't,... Read More

Tax Breaks & Benefits
Tax Breaks & Benefits

It's tax season and April 15th is fast approching, which usually means you're thinking a lot about your tax return.Preparing your taxes isn't easy, but half the fun,... Read More

save-today
Save Today and Reap the Rewards Tomorrow

We've all been taught that saving money is important, and let's face it, we all want and need to save for something. Whether it's home repairs or a new car,... Read More

CD Laddering: Make the Climb to Financial Success
CD Laddering: Make the Climb to Financial Success

"CD laddering" is a great way to take advantage of the best CD rates for longer terms and ensure you have liquidity and flexibility when you need it.... Read More

Certificates of Deposit Combine Growth and Safety
Certificates of Deposit Combine Growth and Safety

What's the safest way to grow your money and still get a great rate? Many investors choose Certificates of Deposit (CDs), popular low-risk/high-yield FDIC-insured accounts that offer a broad range of maturities and yields.... Read More

How are CD Interest Rates Determined?
How are CD Interest Rates Determined?

CD interest rates are typically determined by the length of time until your CD matures, the current interest rate environment and the expected rate of return.... Read More

Money Markets Offer Rates that can Help your Savings Grow
Money Markets Offer Rates that can Help your Savings Grow

Money Market Accounts give you the best of both worlds by offering high yields with greater access to your money.... Read More

Advantages of Saving with a Money Market Account
Advantages of Saving with a Money Market Account

Do you have money that you don't want to risk in the stock market, but also needs protection from inflation eating away at its value? A Money Market Account could be a good choice.... Read More

Money Market Accounts vs CDs: Which is Best for You?
Money Market Accounts vs CDs: Which is Best for You?

The differences between Money Market Accounts and CDs center on interest rates, the potential for conveniences such as check writing, and your ability to make withdrawals without forfeiting interest.... Read More

Online Savings: A Smart Way to Save for your Goals
Online Savings: A Smart Way to Save for your Goals

Certain types of savings accounts are better than others for short- mid- and long-term goals. If you want to "park" money for an emergency fund or save for a down-payment on a new car, an online savings account can deliver what you want.... Read More

Three Steps to Help Save for Short-Term Goals
Three Steps to Help Save for Short-Term Goals

Pursuing short-term financial goals--those that you'd like to achieve within one to five years, can require a different strategy than pursuing long-term goals. Here are some simple steps to help you save and invest when you're going to need your money sooner rather than later.... Read More

Tips for Revving up Your Funds with Online Savings Accounts
Tips for Revving up Your Funds with Online Savings Accounts

"No pain, no gain." It's certainly an appropriate thought at the gym. But does that same "pain" have to apply to saving money? Saving money can be painless especially when you tap the power of a high interest savings account.... Read More

An Online Savings Account Can Help with Unexpected Expenses
An Online Savings Account Can Help with Unexpected Expenses

Bad things happen (and often when we least expect it). And it's not always the big bumps that catch us off our financial guard. Sometimes it's the little things, like that unexpected trip to the emergency room.... Read More

Going Mobile with Your Online Savings Account
Going Mobile with Your Online Savings Account

Today, just about anything you can do from your home computer you can also do with your mobile device. That includes managing your deposit accounts.... Read More

Individual Retirement Accounts: Save for a Secure Future
Individual Retirement Accounts: Save for a Secure Future

Whether you're planning to retire in a couple years or a couple decades, the one plan you need right now is a tax-deferred Individual Retirement Account (IRA). An IRA is vital to your financial future—a form of "retirement insurance.".... Read More

Converting to a Roth IRA: Is it Right for You?
Converting to a Roth IRA: Is it Right for You?

Should you convert all or a portion of your Traditional IRA assets to a Roth IRA account? Until recently, retirement investors could only do so if their modified adjusted gross incomes were $100,000 or less. But this restriction was removed in 2010.... Read More

The Roth Individual Retirement Account
The Roth Individual Retirement Account

A Roth IRA allows you to avoid future taxation of your retirement funds by making nondeductible contributions now. Contributions for the 2013 tax year can be made up to and including the April 2014 tax-filing deadline…. Read More

One of the Most Important Skills You'll Ever Learn: How to Budget
One of the Most Important Skills You'll Ever Learn: How to Budget

Whether you're saving for retirement or college or just trying to make ends meet, one of the first financial recommendations you'll get is to make a budget. That's great advice, but you also need to know how to budget.... Read More

Don't Wait: Start Building an Emergency Fund Now
Don't Wait: Start Building an Emergency Fund Now

People can be at financial risk with recent economic uncertainty, rising healthcare costs and natural disasters. Using credit cards to pay bills may quickly build large high-interest debts...Read More

Why you Need a Financial Plan
Why you Need a Financial Plan

Studies have shown that financial planning plays a key role in achieving major life goals. Why wait any longer? Start assessing your current situation, setting goals, and planning for your own financial future today.... Read More

An Early Start Puts You Ahead
Make Saving For Retirement a Reality

Whether you're just starting your first job or only a few years from finishing your career, it's important to know how to start saving for retirement. Early retirement planning is best, of course, but if you learn how to budget your money, you can plan and put away savings for your future at any time... Read More

Take Advantage of the Financial Power of Youth
Take Advantage of the Financial Power of Youth

If you're in your 20s, it's likely you're facing many financial responsibilities. It can be difficult to invest for retirement but the younger you are when you begin, the more likely you are to achieve the goal of financial security later in life.... Read More

Compounding Your Savings For Retirement
Compounding Your Savings For Retirement

In olden days, people stashed away extra money in their mattresses or cookie jars-not a good idea if you have a flood or fire or just a lapse in memory. Fortunately, you now have many choices for storing your money in reliable retirement accounts..... Read More

A Lifetime of Investing -- How to Get Started
A Lifetime of Investing -- How to Get Started

You're just out of college or you're in the early years of your career. How do you begin to pursue your financial goals at a time when you may have limited income and a variety of expenses to cope with? It may not be as difficult as it sounds.... Read More

Employer Sponsored Retirement Plans Adding Up the Pluses
Employer Sponsored Retirement Plans Adding Up the Pluses

Have you ever wondered why financial planners say employer-sponsored plans should be the first priority for people saving for retirement? Let's look at the key reasons why.... Read More

What To Do With Your 401(k) When You Leave Your Job
What To Do With Your 401(k) When You Leave Your Job

When you're leaving your job and possibly starting a new one, it's easy to get wrapped up in the changes taking place in your life and forget about your 401(k).... Read More

Before Taking a Retirement Plan Loan, Take a Long, Hard Look
8 Things to Consider Before Taking Out a 401(k) Loan

A 401(k) plan is a great way to save for your retirement. You get to save pre-tax money from your pay check which lowers your income tax accountabilities for the current year.... Read More

Doing the Math: How Much Will You Need for Retirement
Doing the Math: How Much Will You Need for Retirement?

Even though calculating a retirement savings goal is key to pursuing and maintaining a confident financial outlook, just 46% of American workers have figured out how much money they will need to accumulate for retirement.... Read More

Calculating Your Retirement Needs
Calculating Your Retirement Needs

When retirement was years away, calculating how much income you may need may have involved a lot of estimates. Now you can be more accurate. Consider the following factors.... Read More

When Markets Turn Volatile, Keep a Long-Term Focus
When Markets Turn Volatile, Keep a Long-Term Focus

"As an investor, now may be a good time to concentrate on the long term as a means to reducing the short-term effects of market volatility. Here are several investment strategies that may help you achieve this objective.".... Read More

Balancing Act Saving for Both Retirement and College
Balancing Act Saving for Both Retirement and College

Millions of Americans are finding it a struggle to balance the high cost of higher education while saving for their own retirement. If you're one of them or would like to help someone faced with this situation,there are steps you can take to help overcome this double-sided planning hurdle.... Read More

The Reality of Retirement Planning
The Reality of Retirement Planning

Saving for retirement should start early and continue throughout your career. When planning for retirement, it's helpful to think of reaching your goals within each of the following categories… Read More

Three Key Retirement Income Considerations
Three Key Retirement Income Considerations

There are two factors that can determine whether you'll have a comfortable retirement: The amount of money you've saved and how quickly you spend that nest egg after you retire.... Read More

Planning Retirement Distributions: Consider Opportunities and Trade-offs
Planning Retirement Distributions: Consider Opportunities and Trade-offs

For most of your working life you've been putting money into retirement savings. When you reach retirement age, you need to make a major shift and determine how to take money out of your savings.... Read More

Retiring: Turn to CDs for Cash Flow
Retiring: Turn to CDs for Cash Flow

If you are retired and need to fill a gap in your monthly income stream, save for other medium- to long-term goals or supplement your existing investment mix, CDs can provide a safe, liquid and practical solution.... Read More

Financial Review Checklist
Financial Review Checklist

You don't need to wait until the beginning or the end of the year for a financial review, especially if your investment mix, risk tolerance, or time horizon has changed recently.... Read More

A Brief Guide to Making Payments Online
A Brief Guide to Making Payments Online

Until recently, people primarily used cash or wrote checks to pay their bills. They'd put checks in an envelope, place a stamp on it and send it away for processing - which could take up to a week... Read More

Why College Students Need a Checking Account
Why College Students Need a Checking Account

During the transition from high school to college, financial responsibility becomes increasingly important. Tuition, living costs and other college expenses must be calculated and budgeted... Read More

10 Ways To Protect Your Checking Account
10 Ways to Protect Your Checking Account

Protecting your checking account from online fraud and cyber security breaches is critical. When you're equipped with the right knowledge, you can keep your account secure... Read More

5 Simple Hacks to Avoiding ATM Fees
5 Simple Hacks to Avoiding ATM Fees

How many times has this happened to you; you're running errands and in need of quick cash, only to find that the nearest ATM will charge a withdrawl fee? It happens all too often... Read More

getting-the-most-from-your-online-checking-account
Getting the Most from Your Online Checking Account

Most people only scratch the surface on what they can do with their online checking account. Online banking makes managing personal finances convenient... Read More

the-right-time-to-open-a-joint-checking-account
The Right Time To Open A Joint Checking Account

Money can be a sensitive subject for couples, but it's one that should be addressed. As your relationship grows more serious, you may begin wondering how you'll combine your finances... Read More

Online Vs Banking
Online Banking vs. Banking at a Branch: Which is Better For You?

Banking is supposed to be built around you and your finances, regardless if you use online banking or go to your local branch.The real question is, which is better for you and why?.... Read More

banking-your-way
Online Banking: Banking Your Way

Today it's easier than ever to bank online. Most banks are improving online services and apps at a breakneck speed. Online banking provides the perfect combination of everything you love about your local branch with new technology available at your fingertips.... Read More

Protecting Yourself Online
Protecting Yourself Online

It's easy to take online banking for granted. But that doesn't mean you should take your online security for granted. Cyber crime is serious business, and you need to remain vigilant about the safety of your personal information.... Read More

Making Your Life Easier with Online Banking
Making Your Life Easier with Online Banking

Today's online banking customer enjoys instant access from their computer or mobile device to a full range of services, allowing you to check balances, pay bills, transfer balances and access your account 24/7.... Read More